You had a child when you were very young. Now your child is much older, and you are telling someone about the experience. You say:
I had Eric when I was only 18.
To "have" a child means to give birth. This can be a little confusing because to "have a child" also simply means that you are a parent and your son or daughter exists. But you usually use "have" in the present tense to mean that you are a parent:
I have a son.
She has three daughters.
And you use "had" in the past tense to mean that you gave birth to a child:
I heard she just had a baby.
But there is also a case where you use the past tense to mean that someone did have a child, but now the child or the parent is dead:
Mark Twain had four children.
We had a son, too, but he died soon after birth.
You certainly must know the phrase "I'm ___ years old". But you can also just say "I'm ___":
She was 94 when she passed away.
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